Retirement Planning - You are never too young or too mature to start planning for retirement. The L&L Financial Edge will help you with the goal setting process to determine when you wish to retire by taking into consideration inflation, taxes, and income level. We evaluate your current and future income sources and recommend actions that will help you reach your goals. If you are a business owner, we will further assist you in the design and implementation of defined benefit plans including 401k, profit sharing and SEP IRA plans.
Investment Planning - Preparing for the future means more than just investing, it means establishing and implementing an individualized investment strategy. We assess your finances and your financial goals and together we will develop an investment plan that works for you. We provide an asset allocation* model with investment goals based on your risk tolerance, time horizon and tax bracket. When you request it, we will assist you with specific investment recommendations.
College Funding - With the ever increasing cost of college education, parents and grandparents are continually looking for valuable and profitable college investment opportunities. There are many ways to save money for education and we will help you determine what is right for your needs. The L&L Financial Edge will provide you with a comprehensive understanding of the new tax advantaged programs for college savings including the 529 Plan, and the educational IRA. We assist you with an evaluation of college costs and help you determine the annual savings required to meet your funding goals.
Estate Planning - Estate planning can be a very delicate and sometimes overwhelming process. We understand both the personal and financial concerns associated with estate planning. Our professionals at The L&L Financial Edge work closely with you to fully understand your estate planning needs. We work at your pace to design and implement a plan that distributes your accumulated assets as you wish. Whether we are advising you on a simple will or multi generational trusts and charitable planning, we inform you of the different methods that help eliminate probate issues, reduce estate taxes and create a solid family estate plan.
Insurance Policies and Risk Management - Many individuals hold personal insurance policies, but are unaware of the extent of their coverage. There is a possibility that you may have too much, or too little. We review your risks and compare them with your current coverage program. Our professionals conduct a needs analysis of your personal situation and provide recommendations for life, disability, liability and long-term care insurance. We coordinate your insurance plan and align it with your overall financial goals.
Business Succession - There are many elements that contribute to a successful business succession plan. The L&L Financial Edge will assist you with the process of developing an exit strategy from your closely held business in the event of retirement, disability, divorce or death. Our assistance includes individualized buy-sell agreements, employee stock purchase plans and preferred compensation plans.
Executive and Group Benefits - When one is selecting executive and group benefits plans, the choices are endless. We are experienced with all the options available and will assist you in designing a group benefit plan that best suits your individual situation. Our professionals will present you with options for health insurance, life insurance or disability benefits. In addition, we also provide individualized executive benefit consulting for deferred compensation or related benefits plans that reward and retain key employees.
* Asset allocation does not guarantee against loss; it is a method used to help manage risk.
